Rachel Messenger

Watch for changes

Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

Lloyds Bank Insurance Services Limited
FRN 310738
- SMF3 Executive Director (since 13 Dec 2024)
CAVENDISH ONLINE LIMITED
FRN 469385
- SMF3 Executive Director (since 13 Dec 2024)
Lloyds Bank PLC
FRN 119278
- [FCA CF] Material risk taker (since 1 Jan 2023)
- [PRA CF] Significant risk taker or Material risk taker (since 1 Jan 2023)
Ald Automotive Limited (no longer approved here)
FRN 308101
- SMF3 Executive Director (18 Jun 2020 to 11 Nov 2022)
Scottish Widows Administration Services Limited (no longer approved here)
FRN 139398
- CF1 Director (29 Aug 2019 to 9 Dec 2019)

Updates to this individual's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

Information on this page is sourced from the official FCA register.